About two or three cars ago ( i guess its 4 years) i was towing my brothers two ton tandem behind my Volvo 440. At a very narrow lane, surrounded by trees and banks, a car approached at an estimated 90 km/h. I pulled to the side, hit the curb with the wheels and decided i wouldnt try to get up the curb as the trailer might pull the car into the berm.
The other car (a salesman in a hurry. What else ?

) veered to my side of the road and we just TOUCHED mirrors, but unlucky as he was, he smashed his mirror through his drivers door window when he hit the trailer, which was 4 inch wider than the car.
Off course he tried to put the blame on me, i wouldnt let him pass... The particular section of road was over 4.5 meter wide, so if you have a 2 meter wide trailer passing a 1.8 meter car, you could still pass in the middle with a motorcycle at high speed.
The guy was just overspeeding (60km/h was allowed there due to bad visibility from high banks, trees and curves, we estimated his speed at over 100) and couldnt keep it on his own lane. I had a friend with me who could testify that i couldnt move over more without climbing up the bank.
When my insurance agent called to ask if i had any damage to my vehicle, i said that the trailer was already in the shop for major repair, which includes a respray anyways, so i had already been easy on the other guy about the trailer. And that my car was dirty right now, so i could not yet see if there was any damage to my vehicle.
Three weeks later the lady of my insurance agency called again. I said, i still havent washed my car. But do both insurance companies yet decide whos blame it is ? I mean, probably something will be clearly visible after i wash it.
She said, how should i put this to the other parties insurance ?? I said very calm, tell them exactly what i just said: The guy was overspeeding and veered into my lane, i have a witness, and i even let him off easy by not claiming anything for the trailer. If the guy was to blame, his insurance company only has to pay damage to the other party (ME) but i dont have any damage. So i dont understand why they help this crook to claim his self-inflicted damage onto me, if they dont have to pay anyways ? PLease say that i asked you to repeat me literally, give them my number in case they have any questions. I think then they'll know exactly how the wrench fits the nut then.
The lady from my insurance agency said with some hesitation "ok thats what i'll do then.. Thank you"
...Off course i never got a phone call from the other guys insurance, just two months later, she called that the insurance companies agreed that both parties should pay for their own damage...
It sure is nasty when you meet people which are as crooked as their insurance companies... Threatening them with a piece of their own pie, usually helps so they'll back off from their natural habit to automatically blame everything on the other party..
